Fidela Insurance Advisory
Not just insurance.
Guidance.
We are a broker, which means we work for you rather than for a carrier. Families and businesses across California and Texas come to us for coverage that actually fits, explained in language that makes sense.
What working with Fidela looks like
- One advisor handling home, family, and business together — so nothing falls through a gap.
- Carriers compared side by side, with the trade-offs spelled out.
- A renewal review every year, not a policy you never hear about again.
- A direct line to Ella — no call centre, no ticket queue.
Coverage
Coverage for every part of your life
Home, family, and business needs handled by the same advisor, so the policies work together instead of leaving holes between them.
Personal insurance
For individuals and families.
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Homeowners
Protects your dwelling and belongings against fire, theft, storms, and liability claims.
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Auto
Liability, collision, and comprehensive options for everyone on the road.
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Life
Financial security for the people who depend on you.
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Renters
Personal property and liability protection while you rent.
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Umbrella
Excess liability coverage that sits above your primary policies.
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Landlord
Rental property protection, including lost rental income.
Commercial insurance
For businesses of every size.
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General Liability
Third-party bodily injury and property damage claims against your business.
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Commercial Property
Your building, equipment, and inventory.
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Workers' Comp
Medical costs and lost wages after an employee is injured on the job.
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Commercial Auto
Liability and physical damage for vehicles your business runs.
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Business Owners Policy
General liability and property bundled into one policy.
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Professional Liability
Protection against claims of negligence, errors, or omissions.
The Fidela difference
An advisor in your corner
Independent, not captive
We are not tied to a single company. We shop the market and represent you, so the recommendation is always about your best fit.
Multiple carriers, one review
We compare trusted carriers side by side so the coverage and the pricing both line up with what you actually need.
Guidance through the fine print
Policies are full of exclusions and limits. We translate them into plain language so you know exactly what you are buying.
Licensed in CA & Texas
A local, licensed advisor you can reach directly — and who stays accountable after the policy is bound.
The advisor
Personal service, real relationships
Fidela is a boutique advisory run by broker Ella Karapetyan. You get one point of contact from the first conversation through every renewal — the same person every time you call.
“Not Just Insurance. Guidance.”
Ella Karapetyan
Broker & Founder
How we work
Simple, guided, and on your side
01
We listen first
A conversation about what you are protecting and what actually worries you.
02
We shop the market
We compare carriers and explain the trade-offs plainly, without the jargon.
03
You stay covered
We bind the policy and review it with you at every renewal as things change.
Talk to an advisor
Ready when you are
Tell us what you are protecting and we will take it from there. Call or email — whichever is easier.